Whether it's through stocks, bonds, ETFs, or other types of securities, all investors love seeing their portfolios score big returns. However, when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.Cash flow can come from bond interest, interest from other types of investments, and of course, dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric that mea ...

Investors might want to bet on First Bancorp (FBNC) , as it has been recently upgraded to a Zacks Rank #1 (Strong Buy). This upgrade primarily reflects an upward trend in earnings estimates, which is one of the most powerful forces impacting stock prices.A company's changing earnings picture is at the core of the Zacks rating. The system tracks the Zacks Consensus Estimate -- the consensus measure of EPS estimates from the sell-side analysts covering the stock -- for the current and following years.Individu ...

Momentum investing revolves around the idea of following a stock's recent trend in either direction. In the 'long' context, investors will be essentially be "buying high, but hoping to sell even higher." With this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving that way. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades.While many investors like to look for moment ...

FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 For the quarterly period ended March 31, 2025 Commission File Number 0-15572 FIRST BANCORP (Exact Name of Registrant as Specified in its Charter) | North Carolina | | | 56-1421916 | | --- | --- | --- | --- | | (State or Other Jurisdiction of Incorporation or Organization) | | | (I.R.S. Employer Identification Number) | | 300 SW Broad St., | ...

Investors might want to bet on First Bancorp (FBNC) , as it has been recently upgraded to a Zacks Rank #2 (Buy). This upgrade is essentially a reflection of an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.The sole determinant of the Zacks rating is a company's changing earnings picture. The Zacks Consensus Estimate -- the consensus of EPS estimates from the sell-side analysts covering the stock -- for the current and following years is tracked by the system.Si ...

Caution Regarding Forward-Looking Statements 2025 First Quarter Update This presentation contains certain forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934 and the Private Securities Litigation Reform Act of 1995, including those regarding First Bancorp's expectations or predictions of future financial or business performance or conditions. The forward-looking statements are inherently subject to risks and uncertainties. Forward-looking statements are typica ...

First Bancorp (FBNC) came out with quarterly earnings of $0.84 per share, beating the Zacks Consensus Estimate of $0.78 per share. This compares to earnings of $0.61 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 7.69%. A quarter ago, it was expected that this bank holding company for First Bank would post earnings of $0.72 per share when it actually produced earnings of $0.76, delivering a surprise of 5.56%.Over the last fou ...

News Release For Immediate Release: For More Information, Contact: April 23, 2025 Hillary Kestler 704-644-4137 First Bancorp Reports First Quarter Results SOUTHERN PINES, N.C. - First Bancorp (the "Company") (NASDAQ - FBNC), the parent company of First Bank, reported unaudited first quarter earnings today. The Company announced net income of $36.4 million, or $0.88 diluted earnings per share ("D-EPS"), for the three months ended March 31, 2025 compared to $3.6 million, or $0.08 D-EPS, for the three months e ...

First BanCorp’s ( FBP ) valuation is at risk from the tariffs and their impact on the bond market and Puerto Rico’s tourism industry. As a result, I’ve raised my provision expense estimate for loan losses, and consequently, reduced my earningsAnalyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving co ...

公司历史与架构 - 公司于1983年12月8日在北卡罗来纳州成立，目的是通过换股收购银行100%的流通普通股[16] - 银行于1935年以Montgomery银行之名开始运营，1985年更名为First Bank，2013年9月迁至北卡罗来纳州的Southern Pines [16] - 截至2024年12月31日，银行有Magnolia Financial和First Troy SPE两家全资子公司，SBA Complete处于解散过程中[17] - 公司为发行符合监管资本的信托优先债务证券设立法定商业信托，但不纳入合并财务报表[18] 公司收购情况 - 2023年1月公司收购总资产12亿美元、贷款10亿美元、存款11亿美元的GrandSouth银行，以扩大在南卡罗来纳州的业务[19] - 2021 - 2024年公司还收购了Select Bancorp、Magnolia Financial等公司，资产分别为18亿美元、1510万美元等[20] 贷款业务相关 - 公司提供多元化贷款服务，包括商业和零售贷款、应收账款融资等[21] - 公司不购买贷款参与权，但可能通过收购获得相关余额，2024年12月31日购买的贷款参与权总额微不足道[22] - 公司实行保守的贷款政策，贷款政策和融资指南每年审查并按需更新[24] - 区域信贷官贷款审批权限为1000万美元，首席信贷官为2500万美元，CEO、总裁和首席信贷官联合审批权限为1.5亿美元[25] - 公司对单一借款人的法定贷款限额约为2.136亿美元[26] - 截至2024年12月31日，商业房地产贷款最大类别占总贷款比例：零售约14%、非业主占用办公室约6%、业主占用办公室约3%、商业约7%、仓库约6%[30] - 2024年和2023年部分县贷款占比：威克县9.7%和10.1%、新汉诺威县8.9%和8.1%、梅克伦堡县7.8%和7.6%、邦科姆县5.2%和5.3%、吉尔福德县4.9%和5.0%[32] 投资业务相关 - 公司投资政策旨在使闲置资金收益最大化，可投资美国国债、GSE等[33][34] - 公司可投资优质公司债券，金额不超过整个证券投资组合的15%[35] 存款业务相关 - 公司CDARS计划让客户可获得高达5000万美元存款的FDIC保险[37] - 2024年和2023年部分县存款占比：摩尔县9.2%和10.8%、邦科姆县7.2%和7.2%、吉尔福德县4.8%和5.0%[47] 公司规模相关 - 截至2024年12月31日，公司有113家分行，北卡罗来纳州100家，南卡罗来纳州13家[44] - 截至2024年12月31日，公司有1345名全职和51名兼职员工[50] 员工福利相关 - 公司员工约73%为女性，18%为少数族裔；管理人员中73%为女性或少数族裔；高管团队中27%为女性或少数族裔高管[51] - 2024年，公司401(k)计划对员工递延供款的前4%进行100%匹配，并支付2%的非选择性雇主供款[55] 监管要求 - 收购限制 - 银行控股公司收购另一银行或银行控股公司超5%有表决权股份需美联储事先批准[62] - 银行控股公司禁止收购或保留非银行或非银行控股公司超5%有表决权股份[63] 监管要求 - 内部交易限制 - 银行控股公司银行子公司向控股公司或其附属公司提供信贷等受美联储法案限制[64] 监管要求 - 业务行为限制 - 公司禁止从事某些搭售安排[65] 监管要求 - 资本实力要求 - 公司需作为银行的财务和管理实力来源，必要时提供资本和资源[66] 监管要求 - 资本比率要求 - 公司需维持CET1与风险加权资产最低比率至少7.0%，一级资本与风险加权资产最低比率至少8.5%，总资本与风险加权资产最低比率至少10.5%，一级杠杆率4.0%；“资本状况良好”CET1资本比率至少6.5%，一级资本比率至少8.0%，总资本比率至少10.0%，杠杆比率至少5.0%[96] 监管要求 - 股息支付限制 - 巴塞尔III规则限制银行支付股息，需普通股权益缓冲超过最低要求资本比率至少2.5%的风险加权资产[81] 监管要求 - 交易费用规定 - 《多德 - 弗兰克法案》的杜宾修正案规定电子债务交易最高允许交换费为每笔0.21美元加交易价值的0.05% [88] 监管要求 - 存款保险规定 - 银行存款由存款保险基金（DIF）最高承保250,000美元[89] 监管要求 - 储备比率要求 - 《多德 - 弗兰克法案》要求资产达100亿美元或以上银行必要时将DIF储备比率从1.15%提高到1.35% [90] 监管要求 - 监管资本规则适用 - 公司和银行自2019年1月1日起全面适用巴塞尔III监管资本规则[92] 监管要求 - 计算机安全事件通知 - 2021年11月规定，银行机构识别“计算机安全事件”后需在36小时内通知主要联邦监管机构[98] 监管要求 - 网络安全披露 - 2023年7月，SEC要求上市公司在年报披露网络安全风险管理，重大网络安全事件需在确定为重大事件后四天内以8 - K表格披露[99] 监管要求 - CRA规则修订 - 2023年10月修订CRA规则，预计大幅提高大银行未来获“杰出”评级门槛，多数条款2026年1月1日生效，2027年开始报告收集数据[105] 监管要求 - 激励薪酬政策 - 2010年6月，联邦银行监管机构发布激励薪酬政策指导，确保不鼓励过度冒险[106] - 多德 - 弗兰克法案要求美国银行机构联合发布规定，确保激励薪酬政策不鼓励冒险，SEC最终确定激励薪酬追回规则[107] 监管要求 - 证券注册与披露 - 公司普通股在SEC注册，受SEC报告、信息披露等要求约束，SEC和纳斯达克相关法规适用于公司[108] 监管要求 - 数字资产活动 - 银行机构开展数字资产活动需实施适当风险管理实践以获监管无异议[109] 监管要求 - 文件获取 - 公司网站提供SEC文件链接，文件可在公司网站和SEC网站免费获取[111] 监管要求 - 股东大会信息提交 - 2025年股东大会代理声明中第III部分信息将在4月30日前提交SEC[10]